The Data to Power Small Business Lending

who we are

The Small Business Financial Exchange (SBFE) is a data management organization comprised of over 135 U.S. small business lenders, including many of the largest banks and credit card issuers.  Established in 2001, SBFE provides a central repository for aggregating credit payment performance data and providing it to major credit reporting bureaus for inclusion in risk management products. SBFE operates a "give to get“ business model where only members that contribute data can access the risk products from SBFE's commercial credit bureau partners, including Dun & Bradstreet, Equifax, Experian, and LexisNexis Risk Solutions. SBFE's mission is to enable the lending industry to build an accurate picture of small business credit health.

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SBFE Data. Manage Risk. Drive Growth.

Our Members choose to be part of a highly trusted reciprocal marketplace to ensure their small business data is protected and aid in the vitality of the small business ecosystem. SBFE Membership is open to any US small business lender who has the ability to report their small business lending data to the SBFE Data Warehouse. SBFE Members rely on SBFE’s distinctive information security, risk and data governance controls. This confidence attracts lenders and merchant acquirers of all sizes and types from across the industry, making SBFE Data™ a rich and robust information source to enable sound credit risk management decisions.

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Explore the resources available to SBFE members.
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Create Customized Data Solutions that Meet your customers needs

We believe that SBFE’s small business credit payment performance dataset is the most comprehensive and the most predictive you’ll find in the industry.  Combining SBFE’s data with your credit evaluation products and services may provide you with a unique advantage in your target market.

SBFE Members

SBFE by the numbers

10/10
Largest U.S. business card issuers contribute data to SBFE
40M+
Small businesses with $370 billion in outstandings represented
23+
Years of historical data, dating back to 2001
98M+
Accounts represented in SBFE data
10
Of the top 10 commercial banks contribute data to SBFE
135+
Approximate members, including 465+ total portfolios